| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $15K | — | $15K | 2.41% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $7K | — | $7K | 1.05% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | HEALTH ALLIANCE PLAN | $5K | — | $5K | 2.48% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | HEALTH ALLIANCE PLAN | $5K | — | $5K | 2.37% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.21% |
| JBGIC INC3 | 28065 NORCROSS DR HARRISON TOWNSHIP, MI 48045 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.01% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $385 | $3K | 9.74% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $439 | $1K | 5.08% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $385 | $2K | 10.12% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $377 | $2K | 8.38% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $385 | $2K | 7.52% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | MUTUAL OF OMAHA INSURANCE COMPANY | $890 | $336 | $1K | 6.03% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | EYE MED | $536 | — | $536 | 5.17% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | EYE MED | $414 | — | $414 | 3.99% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $351 | — | $351 | 8.53% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | MUTUAL OF OMAHA INSURANCE COMPANY | $266 | $74 | $340 | 8.26% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $195 | $385 | $580 | 17.59% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | MUTUAL OF OMAHA INSURANCE COMPANY | $135 | $48 | $183 | 5.55% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W BIG BEAVER RD TROY, MI 48084 | MUTUAL OF OMAHA INSURANCE COMPANY | $112 | $54 | $166 | 9.07% |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $163 | — | $163 | 8.90% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 185 | $67K |
| Vision | EYE MED | 171 | $10K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 121 | $3K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 59 | $20K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 50 | $29K |
| Other(4 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 121 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.